Privacy Policy

01 Introduction

Paisainstant is operated by YUVI BUSINESS & TECHNOLOGY SERVICES. The platform provides lender discovery, referral links and support to DSA partners through a written arrangement with a Master DSA / Channel Partner. DSA activity is limited to the permissions under that arrangement and any additional authorisations required by the relevant lender and applicable law.

Paisainstant is not a bank or NBFC and does not independently sanction or disburse loans. A Master DSA / Channel Partner arrangement does not, by itself, mean that Paisainstant has a direct appointment from every lender shown on the platform.

02 DSA registration information

The registration flow may ask for a business or brand name, Partner Code, partner mobile number, WhatsApp number and an uploaded logo. In the current demo, these details are saved in the browser’s localStorage so the browser can display a branded portal preview. They are not automatically transmitted to a central database by that demo flow.

Registration information may also be handled through an authorised business process under the Master DSA / Channel Partner arrangement, where that process is separately used and permitted.

03 Customer case and MIS information

For referral tracking and partner operations, limited customer case information may be received through authorised Master DSA / Channel Partner or lender MIS reports, including Excel files. Depending on the report and case, this may include:

• Customer mobile number
• Lender name and case status
• DSA name or Partner Code
• Case reference or application ID, if available
• Relevant case dates, if available

This information may be used for referral tracking, DSA attribution, case-status reporting, partner support and payout reconciliation where applicable.

04 Loan applications and KYC information

The current Paisainstant website directs customers to third-party lender application websites. It does not currently provide its own loan application form to collect PAN, Aadhaar, bank statements, OTPs, CVV or banking passwords.

Information a customer enters directly on a lender’s external website is handled under that lender’s own privacy policy and terms. Limited case information may later reach Paisainstant through authorised MIS reporting as described above.

05 Referral and tracking information

Some referral links contain UTM source and campaign parameters or DSA brand identifiers. For example, a campaign value such as Login_BrandName can identify the DSA brand associated with a referral. These values support referral attribution and reporting; they are not a loan approval or eligibility decision.

06 Purpose of processing

Information described in this policy may be used for website and referral operations, partner registration and previews, case tracking, attribution, reporting, partner support, payout reconciliation where applicable, security and compliance with applicable legal requirements.

07 Data sharing

Where necessary for the purposes above and as permitted by the applicable arrangement and law, limited information may be shared with the authorised Master DSA / Channel Partner, the relevant lender, the DSA partner associated with a case, and authorised technical service providers supporting the platform or business process.

Information is not intended to be shared beyond the authorised purpose and access scope for the relevant activity.

08 Data retention and security

Reasonable administrative and technical measures are used to help protect information, and access is restricted to people or providers who need it for an authorised purpose. No method of storage or transmission can be guaranteed to be completely secure.

Information is retained only for as long as it is reasonably needed for the relevant business purpose, the applicable arrangement or a legal requirement. The demo registration data remains in the browser’s localStorage unless it is removed through that browser’s storage controls.

09 Third-party websites

When a customer follows a lender or other third-party link, that website’s own privacy policy, terms and security practices apply to information entered there. Paisainstant does not control those external websites. Customers should review the relevant terms before providing information.

10 DSA partner privacy responsibilities

DSA partners must obtain appropriate customer permission before handling or sharing customer information, use it only for an authorised case or service purpose, follow the Master DSA / Channel Partner arrangement and relevant lender requirements, and protect it from unauthorised access, use or disclosure. Partners must not request or handle OTPs, UPI PINs, ATM PINs, CVV or banking passwords as part of a referral.

11 Children’s privacy

Paisainstant’s lender referral and DSA partner services are intended for adults and are not directed to children. We do not knowingly invite children to register as DSA partners or submit information through the platform. If information is identified as having been provided by a child without any permission required by applicable law, reasonable steps may be taken to review and remove or restrict it where appropriate.

12 Policy updates

This policy may be updated when the platform, business arrangements or applicable requirements change. The latest version will be posted on this page with an updated date. The description of current demo registration storage will be revised if that flow changes.

13 Business / platform operator

YUVI BUSINESS & TECHNOLOGY SERVICES

Operator of the Paisainstant platform.